The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,593
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,327
−HK$745/mo
Today · 4.125%
HK$25,072
baseline
▲ 0.50% · 4.625%
HK$26,598
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,144/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,247
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$714/mo
Today · 4.125%
HK$27,665
baseline
▲ 0.50% · 4.625%
HK$29,123
+HK$1,458/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,330/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$895/mo
Today · 4.125%
HK$30,087
baseline
▲ 0.50% · 4.625%
HK$31,917
+HK$1,830/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,174/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$857/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$1,750/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,030
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$1,044/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$37,237
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,745
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,731
−HK$1,000/mo
Today · 4.125%
HK$38,731
baseline
▲ 0.50% · 4.625%
HK$40,772
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,462/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,467
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,788
−HK$1,342/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,876
+HK$2,746/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,244
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,511
−HK$1,286/mo
Today · 4.125%
HK$49,797
baseline
▲ 0.50% · 4.625%
HK$52,421
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,594/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,997 · Scale 2, in force from 26 Feb 2026)